Travel Health Plan Disclaimer: Please ensure all relevant 2025

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What Does Cancel for Medical Reasons Cover? Injury, illness, or hospitalization to you or a travel companion. You or a travel companion contracts Covid-19 or other covered pandemic-related virus. Severe injury to a family member that requires your care. Death to a non-traveling immediate family member.
There is no standalone travel insurance policy that covers pre-existing medical conditions. Unless your plan specifically states that it covers such issues, then its safe to assume that the expenses you incur before or during your trip because of a pre-existing illness or injury are likewise excluded from coverage.
Travel insurance companies impose a look-back period, which is a specific time frame when a pre-existing condition is considered stable, usually between 60 and 180 days. To qualify for a waiver, your condition must be stable within this period, meaning it has not changed or worsened.
Like any other insurance provider, a travel insurance provider will need to verify that the claim you are making is legitimate. Verifying a claim typically means checking the facts. Some of the documents you may need to support your claim include: Receipts and itemized bills for expenses (for canceled trips)
Proof is Required: Youll need documentation detailing the medical reasons that prevent travel by the scheduled departure date. Something as simple as a doctors note would suffice. Severity Matters: Travel insurance coverage often hinges on whether the illness is severe enough to interfere with travel plans.

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Contact your insurer as soon as possible and ask them to send you a claim form. They may be able to email this to you to speed things up. Complete the claim form carefully and keep a copy for yourself. Youll need to include copies of all paperwork that will help your claim, including receipts or medical certificates.

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